Broker, not a lenderHard Money Lenders inNashua, New Hampshire
Fix and flip, DSCR rental and new construction financing for Nashua investors. We do not lend our own money, we shop your deal across a 400+ lender network and come back with real terms you can compare on total cost.
Prefer to talk it through? Call or text Micah at (281) 636-5682.
What you get working with us
Price a Nashua deal right now
Prefilled with a realistic Nashua deal. Change any number and it reprices instantly on the lanes licensed in New Hampshire, using the same engine behind our term sheets.
Financing a deal in Nashua
Nashua sits right on the Massachusetts border, close enough to Route 3 and the Boston tech corridor that a lot of buyers here work south of the line and live north of it for the taxes. The housing splits into two worlds. Close to downtown, French Hill and Crown Hill are mill era worker housing, two and three family buildings and narrow singles from around 1900, and the Tree Streets in the North End hold larger colonials and Victorians. Out past the center, the south and northwest sides are capes, garrisons, split levels and raised ranches built from the 1960s to the 1980s, plus a lot of condos.
Nashua is one of the quickest markets in New England, and the hard part is buying, not selling. Redfin has homes going under contract in a couple of weeks with about three offers each, so a flipper who waits on financing loses the house. Have the term sheet and proof of funds in hand before you write the offer. The rehabs split by era: the old in town stock needs heat, wiring, plumbing and porches, while the suburban split levels and raised ranches are mostly kitchens, baths, siding, windows and a basement finish.
What a Nashua deal looks like on paper
Nashua example: $380,000 purchase, $75,000 rehab, $640,000 after repair value, 730 credit, first flip. The engine puts that borrower on the First Flip, 10% Down program at 9.99%. Say a 1920s two story on the edge of French Hill with original wiring, a tired furnace, one dated bath and a kitchen that needs a full redo. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.
- Down payment (10% of purchase plus rehab)You$45,500
- Origination (2.13%)Lender$8,702
- Lender fees (flat)Lender$2,790
- Broker fee (1%)Broker$4,095
- Title and closing (estimate at Texas rates)Title$4,359
- Prepaid interest (15 days)Lender$1,681
- Property insuranceInsurer$4,323
- AppraisalAppraiser$550
Interest while you rehab: $2,785 a month on the $334,500 funded at closing, $3,409 once every draw is out. Proof of funds is cash to close plus $18,750 of rehab reserve and $20,455 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.
What we can fund in Nashua
| Program | Down payment | Min credit | Experience | Rate | Origination | Max loan | Term | Close |
|---|---|---|---|---|---|---|---|---|
| Experienced Investor Rate1 | 15% | 680+ | 2+ completed flips | 9.00% | 0.75% | 75% of ARV | 12-24 months | 7-14 days |
| First Flip, 10% Down2 | 10% | 660+ | First flip OK | 9.99% | 2% | 75% of ARV | 12 months | 21-30 days |
| 7.5% Down, 3+ Flips3 | 7.5% | 660+ | 3+ completed flips | 9.99% | 1.5% | 75% of ARV | 12 months | 21-30 days |
| 5% Down, 3+ Flips4 | 5% | 600+ | 3+ completed flips | 12.00% | 2% | 75% of ARV | 12 months | 7-14 days |
| 5% Down, 5+ Flips5 | 5% | 660+ | 5+ completed flips | 9.99% to 10.99% | 2% | 75% of ARV | 9-24 months | 10-14 days |
| 100% Financing, 2+ Flips6 | 0% (100% financing) | 620+ | 2+ completed flips | 9.50% to 12.00% | 2.5% | 70% of ARV | 9 months | 7-14 days |
- Rate and origination are the program floor; two completed projects in the last 36 months preferred.
- Rate 9.99% at 2 to 2.25 points by credit; buy down to 8.99%. Loans under $150,000 add 0.5% to the rate and half a point, under $100,000 1.5% and a point. Under 680 credit the loan caps at 87.5% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
- Rate 9.99% at 1.5 to 1.75 points by credit; buy down to 8.99%. Loans under $150,000 add 0.5% to the rate and half a point, under $100,000 1.5% and a point. Under 680 credit the loan caps at 90% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
- Rate from 12%, set per file. Origination steps down with experience: 1.5% at 5+ deals, 1% at 8+.
- Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
- Needs 2 completed flips in the last two years and about $75,000 in verified liquidity. Rate 9.5% to 12% and 2 to 3 points, set per file. Purchase plus rehab must fit under 70% of ARV.
Origination has a $2,000 minimum on every program and the broker fee is 1% with a $2,000 minimum. These are the numbers the instant term sheet uses as of October 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.
Where Nashua prices sit right now
Before we price a Nashua flip, we look at where sales in the city sit today. Your block can run well above or below these numbers, so treat them as the starting point, not the answer.
Redfin puts the Nashua median sale price at $540,000 over the three months through September 2026, up 5.8% from a year earlier, with homes selling in about 17 days, about three offers per home and 284 sales in September.
| Median sale price, Nashua (Redfin, 3 months to Sep 2026) | $540,000 |
| Days on market, Nashua (Redfin) | 17 |
| Average offers per home (Redfin) | 3 |
| Homes sold in September 2026 (Redfin) | 284 |
| Share of properties at severe 30-year flood risk (First Street via Redfin) | 5% |
Sources: Redfin, Nashua NH housing market
How a Nashua file actually gets priced
Plenty of homes trade here, so an appraiser rarely runs short of comps. What moves the value is matching the product. A renovated garrison in the northwest and a gut rehabbed two family on French Hill sit in very different price bands even a mile apart, and condos are a separate market again. We value from finished sales of the same style and the same side of the city. For a two or three family we add the market rent for each unit, since the owner occupant buyer usually qualifies on part of it.
The Nashua and Merrimack rivers and Salmon Brook are where the water risk sits, and Redfin’s First Street data puts about 5% of Nashua properties at severe 30 year flood risk. Check the map near those banks before you buy. The other New Hampshire line item is the real estate transfer tax, charged to both buyer and seller, which a flipper pays on each end of the deal. Pre-1978 houses in the older neighborhoods need lead safe renovation practices, and permits go through the city’s building department.
Who buys your finished Nashua deal
The finished Nashua house sells to commuters, many working in Massachusetts and choosing New Hampshire for no state income or sales tax, and to local families moving up from a condo. They want move in ready: updated systems, a new kitchen, finished lower levels on the split levels. Multifamily on French Hill and Crown Hill sells to owner occupants using the rent and to investors, and with rents strong this close to Boston, holding one on a DSCR loan is a real option.
Your whole loan, in one portal
Apply once and the whole Nashua loan lives in the borrower portal: the term sheet you can accept and sign in the browser, where the loan stands, one place for documents, and the list of what the lender is still waiting on. These are real screens from the portal.
What we fund in Nashua
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Nashua.
DSCR Rental
Qualifies on the property’s rent, not your W-2. The usual exit when a flip becomes a hold, and the long-term financing on a BRRRR.
New Construction
Ground-up for builders and infill developers, with a draw schedule matched to the build timeline.
Where we lend in Nashua
We broker deals across the whole Nashua market. These are the submarkets investors ask us about most:
From deal to funded
Send the deal
Address, purchase price, rehab budget and your ARV. Three minutes, no credit pull.
We shop it
Your scenario goes to the lenders in our network that actually fit it and are licensed in New Hampshire, not all 400 at once.
Real terms back
Rate, origination, leverage and cash to close side by side, so you can compare on total cost.
Close
Plan on 7-14 days with completed flips and 21-30 days on a first flip. We stay on title and the lender through funding.
Nashua hard money FAQ
Do you lend hard money in Nashua?
Which fix and flip programs apply in Nashua?
How fast can a Nashua hard money loan close?
How much do I need to bring to close on a Nashua flip?
Do you fund the rehab budget in Nashua?
What credit score do I need for a Nashua fix and flip loan?
Can I refinance a Nashua flip into a rental loan?
Can I finance a first flip in Nashua?
How competitive is buying a flip in Nashua?
Before you sign anything
Ready to fund your Nashua deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.